This kind of purchase is not recommended, because the mutual aid program publicly misleads the public to "invest a small amount of money to get high security", induces the public to have rigid expectations for obtaining high security, and some falsely claim that they have millions of members, but in fact, they have not made risk pricing and rate determination based on actuarial science, nor have they scientifically drawn responsibility reserves.
The solvency and financial stability can not be fully guaranteed, and it is difficult to achieve sustainable operation. In the event of a risk event, the platform itself does not assume the liability for compensation and cannot guarantee the promised amount of compensation. At the same time, consumers may also face risks such as personal privacy disclosure and disputes that are difficult to resolve.
In particular, at present, some network mutual assistance platforms have rapidly accumulated a large number of members through various commercial marketing methods, which involve a wide range and have a great social impact, and the spillover risk cannot be ignored. Moreover, the China Insurance Regulatory Commission has conducted key interviews with the heads of network platforms such as "Water Drop Mutual Assistance" and notified the regulatory opinions. At present, some platforms still have some outstanding problems such as misleading propaganda and promising responsibility protection to the public.
In the next step, the CIRC will investigate and collect evidence from the network mutual assistance platform suspected of violating the rules, and "promise to pay" to the public to induce the public to expect compensation. Once verified, it will be resolutely banned and the relevant personnel will be held accountable according to law.
Extended data:
In fact, mutual assistance of water droplets is some forms of mutual insurance that are integrated into the Internet, and the network mutual assistance platform is indeed another way of protection besides commercial insurance. However, network mutual assistance is not real insurance, and it is not better than insurance in financial stability and solvency. At the same time, for those fraudulent platforms in the name of "mutual assistance" and "public welfare", we should be more vigilant, strengthen screening and join rationally.
Moreover, under the guise of "mutual aid plan", some organizations and individuals maliciously defraud the public of money through Internet platforms such as Weibo and WeChat, which can easily cause economic losses to consumers. Therefore, it is necessary to improve the screening ability of various mutual aid platforms.
People's Network-"Mutual Insurance" is not insured.
Baidu encyclopedia-water drop mutual assistance
People's Network-Internet "insurance" is not reliable. Don't be credulous, beware of the trap under the cloak of "mutual assistance"